EU/US version

I'm looking at buying a refurbished one but there are two I can choose from... An EU 32gb version (200) and a 16gb US version (130).

The way I understand it is that the US version won't have the appropriate bands for me to receive 4G in the UK, which is fine as I don't have 4G in my home town so not a major issue. But is there anything else missing that I should know about or any other big reasons to avoid the US version?

Well, if you're unlucky when buying the US version, you may end up with an AT&T branded device which may or may not be unlocked. Besides that, the US AT&T variant doesn't support Qi wireless charging. You still can add wireless charging with a case but it would be PMA, not Qi. 3g band #2 is not supported either.

So are there US versions that support QI? Or was every 1520 an at&t version?

As far as I know, the AT&T variant was the only 1520 that came in a 16GB version. That's why I strongly believe the US version offered to you is the AT&T variant. If I were you, I would opt for the European model.